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Common Questions from First-time Homebuyers - HUD HUD News Newsroom Priorities About HUD Homes Buying Owning Selling Renting Homeless Home improvements HUD homes Fair housing FHA refunds Foreclosure Consumer info Communities About communities Volunteering Organizing Economic development Working with HUD Grants Programs Contracts Work online HUD jobs Complaints Resources Library Handbooks/ forms Common questions Tools Webcasts Mailing lists Contact us Help Common Questions from First-time Homebuyers Information by State Esta página en español Print version Email this to a friend Why should I buy, instead of rent? Answer: A home is an investment. When you rent, you write your monthly check and that money is gone forever. But when you own your home, you can deduct the cost of your mortgage loan interest from your federal income taxes, and usually from your state taxes. This will save you a lot each year, because the interest you pay will make up most of your monthly payment for most of the years of your mortgage. You can also deduct the property taxes you pay as a homeowner. In addition, the value of your home may go up over the years. Finally, you'll enjoy having something that's all yours - a home where your own personal style will tell the world who you are. What are "HUD homes," and are they a good deal? Answer: HUD homes can be a very good deal. When someone with a HUD insured mortgage can't meet the payments, the lender forecloses on the home; HUD pays the lender what is owed; and HUD takes ownership of the home. Then we sell it at market value as quickly as possible. Read all about buying a HUD home . Check our listings of HUD homes and homes being sold by other federal agencies. Can I become a homebuyer even if I have I've had bad credit, and don't have much for a down-payment? Answer: You may be a good candidate for one of the federal mortgage programs . Start by contacting one of the HUD-funded housing counseling agencies that can help you sort through your options. Also, contact your local government to see if there are any local homebuying programs that might work for you. Look in the blue pages of your phone directory for your local office of housing and community development or, if you can't find it, contact your mayor's office or your county executive's office. Are there special homeownership grants or programs for single parents? Answer: There is help available. Start by becoming familiar with the homebuying process and pick a good real estate broker. Although as a single parent, you won't have the benefit of two incomes on which to qualify for a loan, consider getting pre-qualified, so that when you find a house you like in your price range you won't have the delay of trying to get qualified. Contact one of the HUD-funded housing counseling agencies in your area to talk through other options for help that might be available to you. Research buying a HUD home, as they can be very good deals. Also, contact your local government to see if there are any local homebuying programs that could help you. Look in the blue pages of your phone directory for your local office of housing and community development or, if you can't find it, contact your mayor's office or your county executive's office. Should I use a real estate broker? How do I find one? Answer: Using a real estate broker is a very good idea. All the details involved in home buying, particularly the financial ones, can be mind-boggling. A good real estate professional can guide you through the entire process and make the experience much easier. A real estate broker will be well-acquainted with all the important things you'll want to know about a neighborhood you may be considering...the quality of schools, the number of children in the area, the safety of the neighborhood, traffic volume, and more. He or she will help you figure the price range you can afford and search the classified ads and multiple listing services for homes you'll want to see. With immediate access to homes as soon as they're put on the market, the broker can save you hours of wasted driving-around time. When it's time to make an offer on a home, the broker can point out ways to structure your deal to save you money. He or she will explain the advantages and disadvantages of different types of mortgages, guide you through the paperwork, and be there to hold your hand and answer last-minute questions when you sign the final papers at closing. And you don't have to pay the broker anything! The payment comes from the home seller - not from the buyer. By the way, if you want to buy a HUD home , you will be required to use a real estate broker to submit your bid. To find a broker who sells HUD homes, check your local yellow pages or the classified section of your local newspaper. How much money will I have to come up with to buy a home? Answer: Well, that depends on a number of factors, including the cost of the house and the type of mortgage you get. In general, you need to come up with enough money to cover three costs: earnest money - the deposit you make on the home when you submit your offer, to prove to the seller that you are serious about wanting to buy the house; the down payment , a percentage of the cost of the home that you must pay when you go to settlement; and closing costs , the costs associated with processing the paperwork to buy a house. When you make an offer on a home, your real estate broker will put your earnest money into an escrow account. If the offer is accepted, your earnest money will be applied to the down payment or closing costs. If your offer is not accepted, your money will be returned to you. The amount of your earnest money varies. If you buy a HUD home, for example, your deposit generally will range from $500 - $2,000. The more money you can put into your down payment, the lower your mortgage payments will be. Some types of loans require 10-20% of the purchase price. That's why many first-time homebuyers turn to HUD's FHA for help. FHA loans require only 3% down - and sometimes less. Closing costs - which you will pay at settlement - average 3-4% of the price of your home. These costs cover various fees your lender charges and other processing expenses. When you apply for your loan, your lender will give you an estimate of the closing costs, so you won't be caught by surprise. If you buy a HUD home , HUD may pay many of your closing costs. How do I know if I can get a loan? Answer: Use our simple mortgage calculators to see how much mortgage you could pay - that's a good start. If the amount you can afford is significantly less than the cost of homes that interest you, then you might want to wait awhile longer. But before you give up, why don't you contact a real estate broker or a HUD-funded housing counseling agency ? They will help you evaluate your loan potential. A broker will know what kinds of mortgages the lenders are offering and can help you choose a lender with a program that might be right for you. Another good idea is to get pre-qualified for a loan. That means you go to a lender and apply for a mortgage before you actually start looking for a home. Then you'll know exactly how much you can afford to spend, and it will speed the process once you do find the home of your dreams. How do I find a lender? Answer: You can finance a home with a loan from a bank, a savings and loan, a credit union, a private mortgage company, or various state government lenders. Shopping for a loan is like shopping for any other large purchase: you can save money if you take some time to look around for the best prices. Different lenders can offer quite different interest rates and loan fees; and as you know, a lower interest rate can make a big difference in how much home you can afford. Talk with several lenders before you decide. Most lenders need 3-6 weeks for the whole loan approval process. Your real estate broker will be familiar with lenders in the area and what they're offering. Or you can look in your local newspaper's real estate section - most papers list interest rates being offered by local lenders. You can find FHA-approved lenders in the Yellow Pages of your phone book. HUD does not make loans directly - you must use a HUD-approved lender if you're interested in an FHA loan. In addition to the mortgage payment, what other costs do I need to consider? Answer: Well, of course you'll have your monthly utilities. If your utilities have been covered in your rent, this may be new for you. Your real estate broker will be able to help you get information from the seller on how much utilities normally cost. In addition, you might have homeowner association or condo association dues. You'll definitely have property taxes, and you also may have city or county taxes. Taxes normally are rolled into your mortgage payment. Again, your broker will be able to help you anticipate these costs. So what will my mortgage cover? Answer: Most loans have 4 parts: principal: the repayment of the amount you actually borrowed; interest: payment to the lender for the money you've borrowed; homeowners insurance: a monthly amount to insure the property against loss from fire, smoke, theft, and other hazards required by most lenders; and property taxes: the annual city/county taxes assessed on your property, divided by the number of mortgage payments you make in a year. Most loans are for 30 years, although 15 year loans are available, too. During the life of the loan, you'll pay far more in interest than you will in principal - sometimes two or three times more! Because of the way loans are structured, in the first years you'll be paying mostly interest in your monthly payments. In the final years, you'll be paying mostly principal. What do I need to take with me when I apply for a mortgage? Answer: Good question! If you have everything with you when you visit your lender, you'll save a good deal of time. You should have: 1) social security numbers for both your and your spouse, if both of you are applying for the loan; 2) copies of your checking and savings account statements for the past 6 months; 3) evidence of any other assets like bonds or stocks; 4) a recent paycheck stub detailing your earnings; 5) a list of all credit card accounts and the approximate monthly amounts owed on each; 6) a list of account numbers and balances due on outstanding loans, such as car loans; 7) copies of your last 2 years' income tax statements; and 8) the name and address of someone who can verify your employment. Depending on your lender, you may be asked for other information. I know there are lots of types of mortgages - how do I know which one is best for me? Answer: You're right - there are many types of mortgages, and the more you know about them before you start, the better. Most people use a fixed-rate mortgage. In a fixed rate mortgage, your interest rate stays the same for the term of the mortgage, which normally is 30 years. The advantage of a fixed-rate mortgage is that you always know exactly how much your mortgage payment will be, and you can plan for it. Another kind of mortgage is an Adjustable Rate Mortgage (ARM). With this kind of mortgage, your interest rate and monthly payments usually start lower than a fixed rate mortgage. But your rate and payment can change either up or down, as often as once or twice a year. The adjustment is tied to a financial index, such as the U.S. Treasury Securities index. The advantage of an ARM is that you may be able to afford a more expensive home because your initial interest rate will be lower. There are several government mortgage programs,including the Veteran's Administration's programs and the Department of Agriculture's programs . Most people have heard of FHA mortgages. FHA doesn't actually make loans. Instead, it insures loans so that if buyers default for some reason, the lenders will get their money. This encourages lenders to give mortgages to people who might not otherwise qualify for a loan. Talk to your real estate broker about the various kinds of loans, before you begin shopping for a mortgage. When I find the home I want, how much should I offer? Answer: Again, your real estate broker can help you here. But there are several things you should consider: 1) is the asking price in line with prices of similar homes in the area? 2) Is the home in good condition or will you have to spend a substantial amount of money making it the way you want it? You probably want to get a professional home inspection before you make your offer. Your real estate broker can help you arrange one. 3) How long has the home been on the market? If it's been for sale for awhile, the seller may be more eager to accept a lower offer. 4) How much mortgage will be required? Make sure you really can afford whatever offer you make. 5) How much do you really want the home? The closer you are to the asking price, the more likely your offer will be accepted. In some cases, you may even want to offer more than the asking price, if you know you are competing with others for the house. What if my offer is rejected? Answer: They often are! But don't let that stop you. Now you begin negotiating. Your broker will help you. You may have to offer more money, but you may ask the seller to cover some or all of your closing costs or to make repairs that wouldn't normally be expected. Often, negotiations on a price go back and forth several times before a deal is made. Just remember - don't get so caught up in negotiations that you lose sight of what you really want and can afford! So what will happen at closing? Answer: Basically, you'll sit at a table with your broker, the broker for the seller, probably the seller, and a closing agent. The closing agent will have a stack of papers for you and the seller to sign. While he or she will give you a basic explanation of each paper, you may want to take the time to read each one and/or consult with your agent to make sure you know exactly what you're signing. After all, this is a large amount of money you're committing to pay for a lot of years! Before you go to closing, your lender is required to give you a booklet explaining the closing costs, a "good faith estimate" of how much cash you'll have to supply at closing, and a list of documents you'll need at closing. If you don't get those items, be sure to call your lender BEFORE you go to closing. Be sure to read our booklet on settlement costs . It will help you understand your rights in the process. Don't hesitate to ask questions. More information? Answer: See our 100 questions and answers about buying a home. Content updated October 25, 2005 Back to top FOIA Privacy Web Policies and Important Links Home U.S. Department of Housing and Urban Development 451 7th Street S.W., Washington, DC 20410 Telephone: (202) 708-1112 TTY: (202) 708-1455 Find the address of a HUD office near you

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Amazon.com: House of Sand and Fog: DVD Your Store DVD See All 32 Product Categories Your Account | Cart | Wish List | Help | Advanced Search | Browse Genres | Top Sellers | New & Future Releases | Television Central | Life & Learning | DVD Essentials | Blowout DVDs | Movie Showtimes | Used DVDs Search Amazon.com DVD Web Search Join Amazon Prime and ship Two-Day for free and Overnight for $3.99. Already a member? Sign in . DVD Information Explore this item buying info editorial reviews customer reviews cast and crew fun facts Listmania! Ten best movies of 2003 : A list by Kalle Frm Add your List Ready to buy? Sign in to turn on 1-Click ordering. A9.com users save 1.57% on Amazon. Learn how . MORE BUYING CHOICES 157 used & new from $3.85 Available for in-store pickup now from: $14.99 Price may vary based on availability Enter your ZIP Code Have one to sell? House of Sand and Fog (2003) Starring: Jennifer Connelly , Ben Kingsley Director: Vadim Perelman Rating: First Line: Officer at End: Are you Kathy Nicolo? Kathy: Yeah. Officer at End: Is this your house? See larger image Share your own customer images List Price: $14.99 Price: $10.99 & eligible for FREE Super Saver Shipping on orders over $25. See details You Save: $4.00 (27%) Availability: Usually ships within 24 hours. Ships from and sold by Amazon.com. Want it delivered Tuesday, January 3? Choose One-Day Shipping at checkout. See details 157 used & new available from $3.85 Edition: Other Versions and Languages Other Versions (DVD) List Price Price Other Offers: DVD House of Sand and Fog Other Versions (VHS Tape) VHS Tape House of Sand and Fog $9.98 $9.98 19 used & new from $1.45 Other Versions (Audio CD) Audio CD House of Sand and Fog $17.98 $17.98 62 used & new from $10.89 Better Together Buy this DVD with 21 Grams DVD ~ Sean Penn today! Total List Price: $29.97 Buy Together Today: $21.98 Customers who bought this DVD also bought 21 Grams DVD ~ Sean Penn Hotel Rwanda DVD ~ Xolani Mali Mystic River (Widescreen Edition) DVD ~ Sean Penn Collateral DVD ~ Tom Cruise Explore Similar Items : in DVD , in Books , and in Video Storyline Genres: Drama Tagline: Some dreams can't be shared. Plot Outline: An abandoned wife is evicted from her house and starts a tragic conflict with her home's new owners. Plot Synopsis: Massoud Amir Behrani, an Iranian immigrant, has spent most of his savings trying to enhance his daughter's chances of a good marriage. Once she is married, he spends the remaining funds on a house at an auction, unwittingly putting himself and his family in the middle of a legal tussle with the house's former owner. What begins as a legal struggle turns into a personal confrontation, with tragic results. Plot Keywords: Based On Novel | Bathtub Scene | Beach | Cigarette Smoking | Classified Ad | Compassion | Courier | Deputy Sheriff | Directorial Debut | Eviction | Father Daughter Dance | (Show all 90 plot keywords recommended by customers) Product Details Actors: Jennifer Connelly , Ben Kingsley , Ron Eldard , Frances Fisher , Kim Dickens , See more Directors: Vadim Perelman Format: Ac- , Closed-captioned, Color, Dolby, Dubbed, Subtitled, Widescreen, Ntsc, Widescreen Anamorphic Region: Region 1 ( U.S. and Canada only. Read more about DVD formats. ) Aspect Ratio: 1.85:1 Number of discs: 1 Rated: (Not for sale to persons under age 18.) Studio: Dreamworks Video DVD Release Date: March 30, 2004 Run Time: 126 minutes Average Customer Review: Based on 252 Reviews DVD Features: Available Subtitles: English, Spanish, French Available Audio Tracks: English (Dolby Digital 5.1), French (Unknown Format) Commentary by: director Vadim Perelman, actor Ben Kingsley, novelist Andre Dubus III, costume designer Hala Bahmet, and production designer Maia Javan (Unknown Format) Deleted Scenes with commentary Behind the Scenes featurette Shohreh Aghdashloo Audition Archives Production Notes From IMDb: Quotes & Trivia ASIN: B0001DMVBC Amazon.com Sales Rank: #3,512 in DVD Theatrical Release Information US Theatrical Release Date: December 26, 2003 MPAA: for some violence/disturbing images, language and a scene of sexuality. Production Company: DreamWorks SKG, Bisgrove Entertainment, Cobalt Media Group USA Box Office: $13 Million Budget Estimate: $16 Million Filming Locations: San Francisco, California, USA| Biltmore Hotel - 506 S. Grand Ave., Downtown, Los Angeles, California, USA| Carpinteria, California, USA| Golden Valley Ranch, Santa Clarita, California, USA| Los Angeles, California, USA| Malibu, California, USA| San Mateo County, California, USA| Santa Clarita, California, USA Editorial Reviews Amazon.com Jennifer Connelly followed up her Academy Award for A Beautiful Mind with this dark but moving story of small mistakes that escalate, with tragic necessity, to disaster. In House of Sand and Fog , Kathy (Connelly) gets evicted from her house for failing to pay a tax she never should have been charged in the first place. The house is swiftly put up for auction and bought by a former military officer from Iran named Behrani (Ben Kingsley, Sexy Beast ). When legal efforts fail her, Kathy turns to a sympathetic cop (Ron Eldard, Bastard Out of Carolina ), who wants out of a loveless marriage and who's willing to step over legal boundaries if it might give him a fresh start. Topnotch performances by the entire cast make House of Sand and Fog a compelling psychological drama; your sympathies will be pulled in all directions. --Bret Fetzer Product Description: Academy Award winners Ben Kingsley (Gandhi) and Jennifer Connelly (A Beautiful Mind) deliver stunning performances as two strangers whose conflicting pursuits of the American Dream lead to a fight for their hopes at any cost. What begins as a struggle over a rundown bungalow spirals into a clash that propels everyone involved toward a shocking resolution. "The surprise ending will leave you breathless!" (Clay Smith, Access Hollywood) Customers who viewed this DVD also viewed Monster DVD ~ Charlize Theron Sideways (Widescreen Edition) DVD ~ Paul Giamatti Million Dollar Baby (Widescreen Edition) DVD ~ Jay Baruchel Closer (Superbit Edition) DVD ~ Natalie Portman Explore Similar Items : in DVD , in Books Spotlight Reviews Write an online review and share your thoughts with other customers. 149 of 160 people found the following review helpful: A Heartbreaking and Stunning "House" of Emotions! , March 6, 2004 Reviewer: Mark D. Cunningham (Austin, Texas United States) - See all my reviews With the exception of Niki Caro's sublime "Whale Rider," no movie moved me more this past year than Vadim Perelman's "House of Sand and Fog." This story of a broken and desperate young woman who loses her house because her depression won't allow her to simply open her mail and the determined and steadfast Iranian colonel who strives to secure a better life and future for his family is a cacophony of raw emotion and heartbreak. Further, it is a meditation on what is important in life and how easy it is--no matter the intentions--to forget that very thing. This is a movie that is well photographed, beautifully adapted from Andre Dubus III's Oprah-approved novel of the same name and stunningly helmed by first time feature director Perelman. But "House" is a film that is anchored by its performances. There is hardly a false note in the acting (Ron Eldard occasionally seems overwhelmed by the powerhouse actors who surround him, however his work is still convincing). Jennifer Connelly conveys Kathy Niccoli's despair wonderfully. You can feel the depression wholly consuming her. Ben Kingsley is superb! The scene in the hospital near the end of the film is a master class in acting. Kingsley's work is brave throughout the film--he allows the audience to see Colonel Behrani's flaws and hold him accountable for them while also helping us to understand that his ambition, his dreams and desires are to serve the needs of his family. It is among the most dynamic work by an actor in any year. As fine as Kingsley is, however, my favorite performance of last year and now one of my favorites of all time has to be the stunning work by the invaluable and flawless Shohreh Aghdashloo. In her role as Behrani's patient and loving wife Nadi, Aghdashloo is grace under pressure. I dare you to catch this marvelous actress acting. She is the heart and soul of this film. It is through her expressive eyes that we understand what is at stake and what a home and family truly means. In dialogue that blends Farsi and broken English, Aghdashloo's Nadi is heard loud and clear, there is no mistaking anything she is thinking or saying. Let's face it: the Academy screwed up royally by awarding Renee Zellweger the Best Supporting Actress Oscar for her Granny Clampett-ish Ruby in "Cold Mountain" (I say this completely realizing that Zellweger singlehandedly saved "Cold Mountain" from its own pretention). The devastatingly beautiful Aghdashloo far and away claimed the prize with the superlative work she delivers in each and every scene she steals. Here is hoping that Hollywood keeps this major, major talent working for years and years to come. Buy/rent "House of Sand and Fog," which also boasts a very fine performance by young actor Jonathan Adbout as Kingsley and Aghdashloo's son, Esmail. Despite its heavy subject matter, it is a dynamic piece of filmmaking complete with some of the best performances of last year. This film haunted me for weeks after I saw it, and it has yet to release my thoughts completely. A job well done! Was this review helpful to you? ( Report this ) 65 of 82 people found the following review helpful: American dream or American nightmare? , February 28, 2004 Reviewer: Michael J. Mazza (Pittsburgh, PA USA) - See all my reviews "House of Sand and Fog," directed by Vadim Perelman, is based on a novel by Andre Dubus III. The film stars Ben Kingsley as Col. Behrani, a former Iranian military officer under the Shah who now lives with his family in the United States. He buys a house from a government source, not knowing that the property was improperly seized from its prior owner (Jennifer Connelly). This bureaucratic nightmare sets up a personal conflict that drives the film. "House" is a beautifully crafted film, rich in detail and visual impact. But what really makes it shine are the excellent performances. Connelly makes her wounded character's pain palpable. As the colonel's wife, Shohreh Aghdashloo brings out both the inner lamb and lioness of the character. Frances Fisher brings a steely authority to her small but memorable role as an attorney. But it's Ben Kingsley who most impressed me. He gives a rich, multifaceted, full-bodied performance; he explores his character's aspects as husband, father, warrior, businessman, and immigrant in a way that creates a memorable and believable person. I found some plot points to seem a bit forced and hard to believe, but overall the superb craftsmanship of the film and its amazing performances really carry "House." This is a drama with moments of shocking intensity, as well as scenes of fierce anger and searing pain. But there are also scenes of real compassion and tenderness. It's a powerful story and a compelling use of the motif of the immigrant experience in America. Was this review helpful to you? ( Report this ) Customer Reviews Average Customer Review: Write an online review and share your thoughts with other customers. 1 of 1 people found the following review helpful: Good Ben Kingsly movie , December 16, 2005 Reviewer: nopsman (east coast, USA) - See all my reviews Not a real fan of Jennifer Connelly but liked Ben Kingsly very much in the movie. A good film to settle in on the couch with the spouse and share some popcorn. Was this review helpful to you? ( Report this ) 3 of 3 people found the following review helpful: Beautifully photographed and well acted drama! , November 26, 2005 Reviewer: smoothjazzandmore (Clay, NY USA) - See all my reviews Oscar winners Jennifer Connelly and Ben Kingsley give solid performances as rivals who both want the same house to call their own. I enjoyed the way this film was photographed. This movie was based on the book by Andre Dubus III. Faithful readers will notice the difference as the film takes on a different perspective, concentrating on both rivals, rather than the family as a whole. Take a star away for that reason. Overall, its still a powerful movie to watch. Was this review helpful to you? ( Report this ) 4 of 7 people found the following review helpful: A brilliant masterpiece , October 18, 2005 Reviewer: JP - See all my reviews After this movie, all I thought was wow. WOW. That describes how unbelievably good this movie is. The Lord of the Rings: Return of the King over this gem? Is that a joke? How didn't this even get nominated? Sean Penn over Ben Kingsley? Now that is pathetic! Sean Penn's accent is so thick you can barely even understand what he's saying! Ben Kingsley here has given one of those unforgettable performances you'll never see again. His performance is to me the 2nd best ever behind Billy Bob Thorton in the unforgettable Sling Blade. This gem is one of the most tragic ever and in the end, well, I was crying. I felt demolished and I was so sucked in by this masterpiece that I wanted to kill certain characters. This is the first movie that I've seen with Ben Kingsley and I can't belieeve how remarquable he is! Gene Hackman is nothing compared to this man. He put all of his emotions into this movie and made me feel for him. Hands done, this is the saddest and most tragic movie that I have EVER seen. Now for the plot. Kathy (Jennifer Collony) is a young lady living in California. She's got a nice house and a good life (or so we're led to believe). That soon changes though when her house gets reposessed because of not payed taxes. She is furious at these "false?" accusations. While she's trying to get it back, enter an Iraqui man, ex colonel and his wife and son. He buys the house at a very low price to make a huge profit. His family is living a wonderful and sweet life, and their tradtions are adorable. But, lil' Kathy here is still mad. And her wonderful body has attracted a police officer. And he's following here complete orders. What follows is a gem of a movie carried by Ben Kingsley's masterful perfomance. This is one of those rare movies that come along once in a decade. So, please tell your friends and everyone you know to watch this wonderful gem. Its box office is lousy, much like every masterpiece, besides Titanic of course. (I'm just joking, I hope you realized that, Titanic is horrid) Was this review helpful to you? ( Report this ) 2 of 6 people found the following review helpful: Gandhi Does LA , October 13, 2005 Reviewer: R. A Rubin (Eastern, PA United States) - See all my reviews I'm beginning to believe that Ben Kingsley is from a desert kingdom. There's sand between my teeth from his recreations of Gandhi, or in this case, one of the Shah's men. He's very good, and so is Jennifer Connelly who I last saw in an overwrought film that the elitist scum of Hollywood liked, Requiem for a Dream. Don't bother with that one unless you enjoy dizzy spells and adult toys, but in HOSAF, based on a most un-Hollywood premise, Connelly's sad face is perfect. HOSAF is not a comedy and is not aimed at fifteen-year-olds. Kingsley is a proud ex-colonel from Iran used to wealth and prestige, but now he is in exile in California. He wears a suit to work, but changes in a restroom into workers garb, because he is reduced to working as a road-gang, ditch digger and a part-time gas station jockey. He's saving every penny he makes and wins a house in an auction. Unfortunately, the County made a mistake and they took the house away from Connelly, a depressed twenty-something, ex-drug abuser. She should have opened her mail and after eviction, her lawyer and new boyfriend start a campaign to evict the Iranian family. Neither Connelly nor Kingsley is portrayed unsympathetically. They are fleshed out with pathos. This is a parable about ethical business and the consequences of our actions. Was this review helpful to you? ( Report this ) See all 252 customer reviews... Listmania! I name 25 films from 2003 you ... : by A. Fuller Ten best movies of 2003 : by Kalle Frm Independent Spirit Awards: Bes... : by mijacogeo22 "mijacogeo22" So You'd Like to... See Some Bleak/Poignant/Depressing/Paranoid/Thrilling : by Rukshan , Published Poet Of Sri Lanka watch some cult films : by superstarm2 , Movie critic/ obsessive but talented watcher Watch some hot actresses : by ZombieMan 5000 , Admirer of talented actresses Fun Facts from IMDb.com: Awards Click here to see more Awards Independent Spirit Awards: Independent Spirit Award for Best Supporting Female Kansas City Film Critics Circle Awards: KCFCC Award for Best Actress Los Angeles Film Critics Association Awards: LAFCA Award for Best Supporting Actress National Board of Review, USA: NBR Award for Best Debut Director New York Film Critics Circle Awards: NYFCC Award for Best Supporting Actress Online Film Critics Society Awards: OFCS Award for Best Supporting Actress Phoenix Film Critics Society Awards: PFCS Award for Best Performance by an Actor in a Leading Role Nominations Click here to see more Nominations Academy Awards, USA: Oscar for Best Actress in a Supporting Role, Best Music, Original Score, Best Actor in a Leading Role Broadcast Film Critics Association Awards: BFCA Award for Best Actress, Best Actor Casting Society of America, USA: Artios for Best Casting for Feature Film, Drama Golden Globes, USA: Golden Globe for Best Performance by an Actor in a Motion Picture - Drama Independent Spirit Awards: Independent Spirit Award for Best Male Lead, Best First Feature Online Film Critics Society Awards: OFCS Award for Best Actor Phoenix Film Critics Society Awards: PFCS Award for Breakout Performance - Behind the Camera Satellite Awards: Golden Satellite Award for Best Film Editing, Best Performance by an Actress in a Motion Picture, Drama Screen Actors Guild Awards: Actor for Outstanding Performance by a Male Actor in a Leading Role Trivia Click here to see more Trivia Author Andre Dubus III received more than 100 offers from film studios who wanted to make his book into a feature. In the scene near the end of the movie where Kathy pulls into her driveway and tries to shoot herself, Jennifer Connelly accidentally put the car in "reverse" instead of "park", and almost severely damaged the camera positioned in the car door. After Connelly apologized profusely, she was urged by the director to continue the scene, and it ended up being one of the best takes. This is the take shown in the final print. Goofs Click here to see more Goofs When Behrani is shown working in the convenience store, the Snickers bar he is holding is alternately opened/unopened between shots. It seems clear from his entry in the ledger he keeps that he has only eaten one. Movie Connections Click here to see more Movie Connections References: The Searchers Referenced in: The Ring Two Featured in: Quotes Click here to see more Quotes Esmail : Why did that man say we would be deported? Behrani : I do not know. But we are American citizens. We own this house. They can do nothing to us now. Esmail : I feel bad for that lady, bawbaw-jahn. Behrani : The woman's house was taken from her because she did not pay her taxes. That happens when one is not responsible. [interjects in Persian] Esmail : Behrani : Do you understand? Do not feel bad. Americans they do not deserve what they have. They have the eyes of small children who are forever looking for the next source of distraction, entertainment, sweet taste in the mouth. We are not like them. We know rich opportunities when we see them and do not throw away God's blessing. [talking with Nadi] Kathy : I grew up in this house. It's the house that my father left to me and my brother when he died. The county evicted me from this house by mistake and your husband bought it and now, he won't sell it back for less than four times what he paid. Now, I don't want to argue with him. You know, I really don't. It's just that if this goes to court, it could take... [interrupting] Nadi : They want to deport us? Kathy : I don't know. Nadi : You must see... they will kill us. They will shoot my childen. [breaks down and crys] [comforting her] Kathy : Hey, hey. You don't understand a word I'm saying, do you? Nadi : Please, you are a very nice girl. [grabs a notepad and pen] Nadi : Please, you write for me everything. I want for to understand for discussing with my husband. OK? Kathy : OK. 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House Rent

Flat/House - Rent in Perth - Gumtree Perth gumtree.com.au > Perth > Flat/House - Rent -- Search for: $ -- -- -- How does this work? Flat/House - Rent houses/flats for rent | houses/flats for rent wanted post an ad edit/delete an ad | repost an ad | subscribe free | unsubscribe | What is RSS? Bookmark this Page Monday 12th December wanted for rent (fremantle and surrounds) 12/01 Looking for a furnished house with shed, Applecross or nearby (Applecross) 01/03 Sunday 11th December Hamersley 3x1 (Hamersley) 11/12 Family with 2 kids looking for furnished house to rent in Subiaco area (Subiaco Area) 20/01 Saturday 10th December We are a Italian couple, we find a house for 3 or 6 month. (Perth, or near) 28/11 Shenton Park prime location , newly furnished apartment (Shenton Park,) 07/02 Friday 9th December Garden unit in Beautiful complex (Mt Lawley) 09/12 Thursday 8th December New Family need home with pets ok. (Joondalup, Heathridge, Beldon, Edgewater) 01/11 Wednesday 7th December Comfortable rental wanted (Mnt Lawley) 16/01 short term accomodation furnished (canningvale, huntingdale, east vic park) 19/05 Tuesday 6th December 3 bedroom house in Rossmoyne High School Zone (Riverton) 01/01 Short Term Accommodation Needed! (Subiaco Area) 03/01 Lovely 2 Bedroom Apartment (Claremont) 01/01 Monday 5th December 200-250 Aud/ Wk Need a 2 bed room apartment (furnished/ unfurnished) (Nearer to St George Terrace) 01/02 Sunday 4th December small unit furnished (Subiaco) 02/01 House For Rent (Wembley) 17/12 Saturday 3rd December looking for a sharehouse (curtin) 06/02 Monday 28th November House to rent avail immediately (Coogee Munster) 31/10 South Perth apartments for short/long term stay (South Perth) 02/11 Sunday 27th November Houses for rent Wanted in Churchlands Wa (Churchlands) 01/01 Thursday 24th November Accomodation wanted (Cott/Mossie Park anywhere )) 15/01 Tuesday 22nd November Spacious Townhouse, North Freo (North Fremantle) 05/12 Monday 21st November house/flat for rent wanted (Nedlands area or nearby) 24/01 Brilliant Location (Wembley) 25/10 Saturday 19th November Granny Flat Wanted (Perth) 20/02 [ Previous ] [ Next ] Flat/House - Rent Search for: $ -- -- -- How does this work? Adelaide | Auckland | Belfast | Birmingham | Bournemouth | Bradford | Brighton | Brisbane | Bristol | Cambridge | Capetown | Cardiff | Christchurch | Coventry | Dublin | Durban | Edinburgh | Exeter | Glasgow | Guildford | Johannesburg | Krakow | Leeds | Leicester | Liverpool | Lodz | London | Manchester | Melbourne | Middlesbrough | Newcastle | Norwich | Nottingham | Oxford | Perth | Plymouth | Portsmouth | Reading | Sheffield | Southampton | Swansea | Sydney | Warsaw | Wellington | Wroclaw | York |

Home Equity Line of

Presidential Bank: Home Equity Line of Credit Information Presidential Loan Products..... Lending Overview Home Mortgage Programs Apply Online for a Home Mortgage Home Equity Line of Credit Car Loans Commercial Lending Home Equity Lines of Credit Home Equity Line of Credit Loan Calculator Line of Credit Amounts: $10,000 to $300,000 Introductory Interest Rate: 1.25% APR for first 4 months To qualify for the introductory rate, your line must be activated within thirty days of settlement, with a draw of at least $10,000 in the first 30 days after the closing date. Interest Rate after Introductory Period: Loans of 30,000 or more: Prime Rate Loans of less than $30,000: Prime Rate +1% As of today, the Prime interest rate is equivalent to a rate of 7.25% APR, and 1.00% over the Prime interest rate is equivalent to a rate of 8.25% APR. The Prime rate use is the prime rate as quoted in the Wall Street Journal. APR is the Annual Percentage Rate, as computed under applicable federal regulations. After the introductory period, the interest rate is subject to monthly adjustment, as the Prime rate changes. However, the APR will never exceed 24%. Closing Costs Waived You pay absolutely nothing to establish your Presidential Home Equity Line. No closing costs -- no application fee -- no appraisal fee -- no points. This can save you hundreds of dollars! This no closing cost feature is subject to the terms and conditions of the Home Equity Line Agreement, which require that the line must remain open for a minimum of 42 months and that the finance charges must be at least $1,000 during the period the line is open. Tax Deductions Unlike credit card interest and other non-mortgage interest you may pay, you can deduct the interest you pay on a home equity line of credit for federal income tax purposes, subject to the requirements of the Internal Revenue Code. Drawing Against Your Line You may draw against your line at any time, simply by writing a check. Free checks are provided. Eligible Property Owner occupied single-family residences. Lending Area Nationwide (state restrictions may apply) Maximum Loan To Value Ratio The combined amounts of your first mortgage and the dollar limit on your Home Equity Line may not exceed 80% of the value of your home. Repayment Monthly payments are required, whenever the Home Equity Line of Credit has a principal balance outstanding. Principal may be prepaid at any time without penalty. The Line has an initial draw period of 15 years (180 months), during which advances may be made, followed by a repayment period of 8 years and 4 months (100 months). During the first 180 months of the term of the Home Equity Line of Credit, principal may be advanced and repaid at any time, subject to the approved maximum loan amount. Whenever a loan balance is outstanding, monthly payments of interest are required. After the end of the first 180 months, no further advances of principal will be made, and the line of credit must be repaid over the succeeding 100 months in monthly installments equal to 1% of the principal outstanding at the beginning of this repayment period, plus accrued interest. Other Terms All applications are subject to credit approval. Adequate property insurance is required. The minimum draw amount is $100. If you fail to qualify for the waiver of closing costs, you will be charged for your credit report, property appraisal, mortgage recording fees and other out-of-pocket costs of closing your loan; these costs generally total between $250 and $1,550. We will provide an itemization of the closing costs of your loan upon request. For additional information, see the Presidential Home Equity Line of Credit disclosure statement and the Home Equity Line Agreement. For additional information about Home Equity Lines of Credit: Read about it at The Federal Reserve Board . For Home Equity Line inquiries call: (800) 281-2771, or apply online . Presidential Bank's Privacy Notice . Deposit Products | Loan Products | Investments | Online Banking | About Presidential | News | Home email@presidential.com © 1995, 1999, 2002 - 2005 Presidential Bank, FSB last updated 12.14.05 lmm Member FDIC

Real Estate Investment Club

Jurock.com - British Columbia Real Estate Marketplace Special Christmas Offer from Jurock.com Your Ad Here Real Estate Experts LOG IN | EDIT PREFERENCES Ask a Tax Expert with David Ingram I am a Canadian citizen living in the USA. They always tell me to leave my RRSPs untouched in Canada, but I would like to use that money to buy a house in Florida. Will it make sense to take the money for this? I am planning to stay here in the USA. Read More Ask a Property Manager of Individual Homes with Denise Barker, RI(BC) Myself and my boyfriend moved into an older house in early fall, now it's full winter and we realized our woodstove lets out tons of smoke every time we open it. We try to open as little as possible but we have to put wood in to keep it going. So my ... Read More A comprehensive directory - actively maintained since 1996 Appraisals Builders and Contractors Careers and Education Developers Developments Financing Government Sites Guides and Directories Home Inspectors Insurance Investments Law Mortgage Brokers Professional Associations Property Management Real Estate Companies Realtors Recreational Property Relocating Rental Property Selling Tax Chestnuts On The Laptop, Champagne Corks In Your Eye! Facts by Email Toronto: Big Players See Potential And They May Be Right Victoria Rental Market Remains Best In Country Saskatoon Commercial Real Estate Market Has Potential What To Do When The Vendor Gets Cold Feet The 'Loon' Of The Week Friday, December 16, 2005 Pre-Sales: Are Developers Leaving Something On The Table? Or Will Buyers Feast? Insider Newsletter Condominium pre-sales in Greater Vancouver have become so common that there is little thought anymore that people are willing to lineup for hours to pay $500 a square foot for a suite they have never seen and won't be able to move into for two years or more. Latest topics from our forums whistler, whats new? Squamish pulp mill closes 2006 predictions double-ended double tricks/ Bubble, Bubble -- Then Trouble Upload listings FREE Virtual Tours Buying a Home Home Listings, Loan Info, Home Prices... Selling a Home Market analysis, Tips on Selling, Find a good realtor... Renting Rentals Search, Post your rentals Tenant Info... Commercial Commercial Listings, expert advice, Cap Rates Info... Recreational Recreational listings, insights, market reviews... Financing Mortgage Quotes, Interest Rates, Finance Calculators... THIS WEEK: Ozzie Jurock: Tips for Condo Pre-sales More Videos Real Estate Action Weekend The Insider Newsletter $297 know the latest trends learn expert investment techniques get weekly scoops on the best real estate deals plus more Personal Real Estate Business Plan $97 Create the plan that will help guide you to success See All Our Products >> Email Dispatch - Free Free weekly email with the latest Ask an Expert, mortgage rates, Real Estate Deals, and more Rental Listings #1107 - 1199 Marinaside Cr., Vancouver Downtown Condo/Apartment, - More Rentals - New Rentals This Week Your Ad Here Privacy | Security | Site Map | Advertising | FAQ | Masthead | Contact Us REAG: Canadian Real Estate Investment Club Reproduction of material from any Jurock.com pages without written permission is strictly prohibited. 2005 Jurock International Net. All rights reserved. Powered by FeatureWeb